40 Mill St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 40 Mill St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,715 sqft · built 1961
Lot Size	0.367 acres (15,993 sqft)
Owner	Individual Name on File
Tax Bill	$55 (2025)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:22 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:22 L:9`
Alternative APN	`M:R-15 B:0005 L:0009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,715 sqft Living Area
Gross Area	3,822 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,993 sqft (0.367 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 MILL ST
City	GARDNER
State	MA
Zip	01440-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	22
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1002
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:R17 B:22 L:9

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	40 MILL ST, BALDWINVILLE, MA 01436-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2015
Deed Sale	Apr 15, 2015
Prior Sale	Dec 20, 2000 · Amount on Record
Deed Document Number	201532108
Deed Book / Page	53594 / 351
Record Updated	Jun 08, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	40 MILL ST, GARDNER, MA 01440-3223
Document Number	58622-148
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58622-148
Date	Apr 03, 2018
Book Page	058622/000148
Instrument	30950

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 02, 2038

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$55.00 (-99.02%)	$386,500 (+3.2%) Land $72,200 Building $314,300	$416,290
2024	$5,614.00 (+6.08%)	$374,500 (+14.14%) Land $65,600 Building $308,900
2023	$5,292.00	$328,100 Land $64,700 Building $263,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.